Federal credit union · LOCKPORT, New York · NCUA charter #17372
Lockport Schools & Community
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $26.3M
- Total assets
- 1,693
- Members
- 8.6%
- Net-worth ratio
Lockport Schools & Community scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.3M; members 1,693; net-worth ratio 8.59%; health rank #1,169 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,169 of 4,374 health · 2025Q4Lockport Schools & Community · health 90/100 · $26.3M · 2025Q4
Call Report peers
Lockport Schools & Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lockport Schools & Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Lockport Schools & Community sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Lockport Schools & Community diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 64.01% vs peer 59.80% (+4.21 pp).
- Net Worth Ratio trails the peer set - 8.59% here, 14.86% peer average (-6.27 pp).
Where Lockport Schools & Community sits in New York
- In New York, health place is #63 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #168 of 272.
- Membership ranks #188 of 272 among New York CUs with a reported count (1,693 members).
- One place up in New York, QSIDE (#62) ties at 90/100; one place down, Directors Choice (#64) scores 89/100, 1 point lower.
Lockport Schools & Community Call Report trajectory
Lockport Schools & Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $26.3M (2025Q4) to $26.4M (2026Q1).
- Net-worth ratio shifted +0.27 pp (8.32% → 8.59%).
8.59% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Lockport Schools & Community gives up 10 points in total. Member Growth costs the most, 4.3 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 23.9 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 13.9 pts
Lockport Schools & Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.59% | -6.27 pp |
| Delinquency Rate | 0.61% | -0.54 pp |
| Return on Assets | 0.50% | -0.20 pp |
| Member Growth | 1.38% | - |
| Loan-to-Share Ratio | 64.01% | +4.21 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Lockport Schools & Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.4M | - |
| 2025Q4 | $26.3M | 1,693 |
| 2024Q4 | $24.5M | 1,670 |
| 2023Q4 | $24.5M | 1,625 |
Credit Union Details
- Charter Number
- 17372
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- LOCKPORT
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Lockport Schools & Community runs 2 offices.
| Office | City |
|---|---|
| Lockport Schools & Community FCU (Main Office) | Lockport, NY |
| Student Branch | Lockport, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- OLEAN TEACHERS' AND POSTALOLEAN, NY · $10M–$50M87Health
- NY FIREFIGHTERS BRAVESTalbany, NY · $10M–$50M83Health
- TRI-LAKESSARANAC LAKE, NY · $10M–$50M87Health
- ALLEGANY FIRSTFillmore, NY · $10M–$50M80Health
- CANANDAIGUACANANDAIGUA, NY · $10M–$50M62Health
Compare Lockport Schools & Community vs OLEAN TEACHERS' AND POSTAL
Other-state peers near Lockport Schools & Community
Similar total assets
Similar health score
Using this data
- Lockport Schools & Community ranks #1,169 of 4,374 nationally on financial health and #63 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Olean Teachers' and Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Olean Teachers' and Postal
Frequently Asked Questions
Is Lockport Schools & Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Lockport Schools & Community scores 90/100 (Excellent), with a 8.59% net worth ratio and 0.61% of loans delinquent. It ranks #1,169 of 4,374 nationally on health and #63 of 272 in New York.
How does Lockport Schools & Community compare to other credit unions?
Lockport Schools & Community scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (64.01% vs 59.80%). Its widest shortfall is net worth ratio (8.59% vs 14.86%).
How can I join Lockport Schools & Community?
Lockport Schools & Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Lockport Schools & Community directly for the exact boundaries and application steps.
Is my money safe at Lockport Schools & Community?
Lockport Schools & Community is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Lockport Schools & Community's net worth ratio of 8.59% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.